Negotiating orignation fees?

Our lender paid comp is set in advance all customers pay the same percentage, regardless of loan amount and credit score.

Yes and No.. Some lenders do negotiate, and others do not.. to what extent is determined on many factors.. but typically the higher the loan amount the more room there is to negotiate.. that being said, mortgage finance is not an easy thing and there is a wide range of efficiency from one company to another.. typically those that are most efficient will charge more, but in my opinion, it's worth it.. and wouldn't it be terrible if you went with the lowest price lender only to miss your deadline and lose out on the perfect home or your refi wasn't locked and rates jumped way up?? I guess my point is, that the cheapest loan isn't always the least expensive loan when you consider all things.. I always tell my clients, "Don't shop for the best rate".. shop for the loan officer you feel most comfortable with.. if he's any good, the rate will be competitive and you get a competent loan officer to sweeten the lending process.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

DON'T let anyone fool you. Contrary to popular belief, negotiating ANY CLOSING COST REDUCTION really doesn't exist. All the lender is going to do is raise your rate to offset any closing costs not charged upfront. If you want no origination, no problem... You can have no origination, But you will NOT get the same interest rate. Lenders have costs to originate loans, and YOU will ALWAYS pay. How you pay is your choice...Either upfront or in the interest rate. The law requires all lenders to treat every customer the exact same way. I can NOT charge one guy one thing and another guy something different.

To some extent yes, more information would be needed on your particular situation. If you are concerned you may want to check with at least one other mortgage pro to make sure you are getting the best deal.